Sun Flower Insurance Brokers Limited (B2C)

Horizon Travel Working Holiday Insurance Plus

Annual Plan: All trips must depart from and return to Hong Kong

No. of Insured Person:

Country:

Departure Date From Hong Kong (DD/MM/YYYY):

Arrival Date At Hong Kong (DD/MM/YYYY):

Promo Code

Reference

Plan A

Plan B

Plan C

Coverage

Sum Insured (HK$)

Section 1 - Accidental Death and Disablement

200,000

300,000

600,000

Death or permanent disablement arising within 12 months of an accident.

200,000

300,000

600,000
Section 3 - Medical Expenses

200,000

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

Applicable to Plan A only
Reimbursement of actual in-patient expenses for treatment of injury during an overseas hospital confinement.
Applicable to Plan B and C only
Reimbursement of actual in and outpatient expenses for treatment of injury and sickness. Prescribed drugs and medications dispensed by pharmacy is included.

200,000

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

Follow-up Medical Treatment Extension (within 90 days after returning to Hong Kong.

Not Covered

50,000

100,000

• Including Chinese medicine, Chinese bone-setting, acupuncture treatment expenses and physiotherapy.

Not Covered

150
Per Day Per Visit
1,500
Per Policy Year

180
Per Day Per Visit
1,800
Per Policy Year
Section 5 - Personal Baggage

Not Covered

Not Covered

8,000

Pay for loss of or damage to baggage and personal effects.

Not Covered

Not Covered

8,000

Sub-limit per item / pair / set of articles (including all accessories)

Not Covered

Not Covered

2,000

Sub-limit for lap-top computer (including all accessories)

Not Covered

Not Covered

5,000
Section 8 - Travel Delay

Not Covered

300
per 6 hours
Max 900

300
per 6 hours
Max 1,200

Cash benefit for common carrier delay for more than 6 hours due to strike, industrial action, riot, civil commotion, hijack, adverse weather, natural disaster or mechanical fault.

Not Covered

300
per 6 hours
Max 900

300
per 6 hours
Max 1,200
Section 9 – Trip Cancellation

Not Covered

5,000

10,000

Reimburse for travel fare and/or accommodation expenses in the event of trip cancellation due to: death, serious injury, serious sickness of insured person/immediately family member; witness summons, compulsory quarantine or jury service of an Insured Person; strike, riot or civil commotion, adverse weather conditions or infectious disease at the planned destination. This benefit is only applicable to the cancellation of a Trip departing from Hong Kong.

Not Covered

5,000

10,000
Section 12 – Rental Vehicle Excess

Not Covered

Not Covered

3,000

Reimburse for an excess of the vehicle rental agreement.

Not Covered

Not Covered

3,000

Section 1 - Accidental Death and Disablement

200,000

300,000

600,000

Death or permanent disablement arising within 12 months of an accident.

200,000

300,000

600,000
Section 2 - Burns Benefit

50,000

100,000

100,000

Second or third degree burns arising within 12 months of an accident.

50,000

100,000

100,000
Section 3 - Medical Expenses

200,000

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

Applicable to Plan A only
Reimbursement of actual in-patient expenses for treatment of injury during an overseas hospital confinement.
Applicable to Plan B and C only
Reimbursement of actual in and outpatient expenses for treatment of injury and sickness. Prescribed drugs and medications dispensed by pharmacy is included.

200,000

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

Follow-up Medical Treatment Extension (within 90 days after returning to Hong Kong.

Not Covered

50,000

100,000

• Including Chinese medicine, Chinese bone-setting, acupuncture treatment expenses and physiotherapy.

Not Covered

150
Per Day Per Visit
1,500
Per Policy Year

180
Per Day Per Visit
1,800
Per Policy Year
Section 4 - Starr Global Emergency Assistance Services

Included

Included

Included

(a) Round-the-clock Hotline Service
24-hour hotline for travel assistance, business concierge and medical assistance.

Included

Included

Included

(b) Emergency Medical Evacuation and Repatriation
Provide emergency medical evacuation and repatriation due to serious injury or sickness.

Unlimited

Unlimited

Unlimited

(c) Hospital Admission Guarantee
Plan A: In-patient due to injury
Plan B and C: In-patient due to injury or sickness

40,000

40,000

40,000

(d) Compassionate Visit

(i) Hospitalization of Insured Person (at least 7 days)
Travel and accommodation expenses for one relative or friend subject to HK$1,000 per night up to 7 consecutive nights.

50,000

100,000

200,000

(ii) Death of Insured Person
Travel and accommodation expenses for one immediate family member subject to HK$1,000 per night up to 5 consecutive nights.

50,000

100,000

200,000

(iii) Death of Immediate Family Member
Pay the travel expenses for the insured person's return to take care the necessary arrangement of a deceased immediate family member.

50,000

100,000

200,000

(e) Repatriation of Mortal Remains
Return of remains or ashes to Hong Kong.

Unlimited

Unlimited

Unlimited
Section 5 - Personal Baggage

Not Covered

Not Covered

8,000

Pay for loss of or damage to baggage and personal effects.

Not Covered

Not Covered

8,000

Sub-limit per item / pair / set of articles (including all accessories)

Not Covered

Not Covered

2,000

Sub-limit for lap-top computer (including all accessories)

Not Covered

Not Covered

5,000
Section 6 - Baggage Delay

Not Covered

500

800

Emergency purchase due to baggage delay for more than 6 hours.

Not Covered

500

800
Section 7 - Document Loss

Not Covered

2,000

5,000

Reimburse for the replacement cost of lost travel documents due to theft, robbery or burglary.

Not Covered

2,000

5,000
Section 8 - Travel Delay

Not Covered

300
per 6 hours
Max 900

300
per 6 hours
Max 1,200

Cash benefit for common carrier delay for more than 6 hours due to strike, industrial action, riot, civil commotion, hijack, adverse weather, natural disaster or mechanical fault.

Not Covered

300
per 6 hours
Max 900

300
per 6 hours
Max 1,200
Section 9 – Trip Cancellation

Not Covered

5,000

10,000

Reimburse for travel fare and/or accommodation expenses in the event of trip cancellation due to: death, serious injury, serious sickness of insured person/immediately family member; witness summons, compulsory quarantine or jury service of an Insured Person; strike, riot or civil commotion, adverse weather conditions or infectious disease at the planned destination. This benefit is only applicable to the cancellation of a Trip departing from Hong Kong.

Not Covered

5,000

10,000
Section 10 – Trip Curtailment

Not Covered

5,000

10,000

Reimburse for travel fare and/or accommodation expenses in the event of trip curtailment due to: death, serious injury, serious sickness of insured person/immediately family member; strike, riot or civil commotion, adverse weather conditions or infectious disease at the planned destination.

Not Covered

5,000

10,000
Section 11 - Personal Liability

500,000

1,000,000

1,500,000

Indemnify legal liability in respect of accidental bodily injury or property damage to third parties due to negligence.

500,000

1,000,000

1,500,000
Section 12 – Rental Vehicle Excess

Not Covered

Not Covered

3,000

Reimburse for an excess of the vehicle rental agreement.

Not Covered

Not Covered

3,000

Show More Download Product Brochure and Policy Specimen

Product Highlights

Medical expenses up to HK$1,000,000
No co-payment or deductible
No sublimit or restriction on outpatient expenses and number of visits; prescribed medications or drugs dispensed by pharmacy are included (applicable to Plan B and C only)
Follow-up medical treatment including Chinese medicine, Chinese bone-setting, acupuncture and physiotherapy after returning to Hong Kong
Cover leisure trip outside the working holiday destination
Cover amateur hazardous sports, such as hot air ballooning, scuba diving, skiing, etc. and impose no restriction on height or depth

Global Emergency Assistance Services

Starr Global Emergency Assistance Services is supported by Assist Card which is one of the subsidiaries of Starr Companies. Assist Card has more than 400 thousand service providers providing travel assistance services in 197 countries and 17,000 cities around the world.

Major Exclusions

Pre-existing condition, war, suicide, pregnancy, childbirth, professional sport, mobile phone or tablet computer.

Age Limit

Hong Kong resident aged between 18 and 31, who participates in Working Holiday Scheme.

Remarks

Applicant must be aged 18 or above.
Insured person must be aged between 18 and 31 with a valid working holiday visa.
Written notice (email: Asia.AHclaim@starrcompanies.com) of a claim must be given within 30 days after the incident.
Any services under section 4 must be arranged by Starr Global Emergency Assistance.
This brochure is designed to provide you a summary of the plan and is not a contract of insurance. All benefits and exclusions are only briefly outlined here. For complete details, please refer to the policy for terms and conditions.
Policy effective date must be same as or before the insured person's departure date from Hong Kong.

Horizon Travel Working Holiday Insurance Plus

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